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Directors & Officers Insurance

Quick, easy and personalised business insurance for company directors and officers.

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Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
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Directors and officers insurance - Three directors sat around a table.

As a consequence of our litigious society, the actions of directors and officers has been thrust into the spotlight. While many people believe they have no personal liability as a director or officer of the company they work for, in truth directors, managers and supervisors can face allegations and claims for which they may be personally liable.

Companies are protected by their liabilities insurances, but in many cases the individuals are not; particularly if they have acted without proper authority or if they have breached (even inadvertently) part of the Companies Act 2006.

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What is directors & officers (D&O) insurance?

Directors & officers (D&O) insurance offers liability protection for company managers to protect them from claims made which may arise from the decisions and actions they have taken as part of their role.


Why is it important to carry directors & officers (D&O) insurance?

While the legal definition of a director(2) is clear, the legal definition of an officer(3) is opaque and allows for claims to be issued against people who are working in a managerial or supervisory position.

As a company owner/director you may be relatively confident that your director’s are aware of their legal responsibilities, but it is arguably more important to ensure that your managers and other senior members of staff, who may occupy supervisory positions, understand the problems that can arise by their actions.

Allegations and claims against directors and officers need to be investigated, which can cost a lot of money and place the personal finances of the individual/s in question at risk. Therefore it is essential that companies provide protection through Directors & Officers (D&O) insurance.

Why choose Caunce O'Hara for your business insurance?

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
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Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
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Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
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Frequently Asked Questions

You may be held personally responsible for your business actions and will have unlimited personal liability. Only shareholders have limited liability.

This important aspect of cover can provide protection against potential claimants such as:

  • Creditors
  • Employees
  • Regulatory bodies (including HSE and HMRC)
  • Customers/suppliers.

The core purpose of a directors and officers insurance is to provide financial protection for managers against the consequences.

Directors & Officers liability cover protects your personal assets in the event of a claim of actual or alleged “wrongful acts” when acting within the scope of their managerial duties.

The cover provided under the Caunce O’Hara D&O policy is from £250,000 up to £1,000,000 and is included as part of the business combined liabilities insurance policy. The policy effectively removes the financial risk faced by directors and officers, giving them protection should an allegation or claim be made against them. Considering that even simple investigations can cost thousands, can you afford to be without the cover?

Wrongful acts can include: a breach of trust; a breach of duty; neglect; error; a misleading statement or negligent misrepresentation or wrongful trading committed or attempted by a director or officer while acting on behalf of the company.

Legal liability is moving away from companies and towards personal liability.
Employees are more aware of their rights and are increasingly likely to make a claim. This means managers need to be on their guard.

Cover is provided as an integral part of our Business Combined Liabilities insurance policy, with a minimum cover level of £250,000. Cover can be increased to £1million. Business Combined insurance starts from as little as £112.00 per annum.

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Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today